Net Income Analysis ( % relative to Total Revenue )
Income Statement First Security Bank All Insured Commercial Banks in Minnesota
Interest and Fees on Loans 1,932 4,864
Income from Lease Financing Receivables 42 12
63 40
Estimated Tax Benefit from Tax-Exempt Loan Income 32 20
Income on Loans and Leases (TE) 2,006 4,921
Investment Interest Income (TE) 356 592
Total Interest Income (TE) 2,427 5,709
Total Interest Expense 196 508
Net Interest Income (TE) 2,231 5,181
Non-Interest Income 294 905
Adjusted Operating Income (TE) 2,525 6,155
Non-interest Expense 1,904 4,018
Provision for Loan & Lease Losses 14 126
Pretax Operating Income (TE) 607 1,907
Pretax Net Operating Income (TE) 634 1,940
Applicable Income Taxes — 97
Net Operating Income 527 1,682
Net Income 527 1,683
Cash Dividends Declared 413 1,029
Retained Earnings 114 636